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P2P企业打破“信息孤岛”防范风险

来源: 南方日报网络版     时间: 2019年09月19日 00:24:24
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(  新)(华)(网)(北)(京)(9月)(16日)(电)((记)(者)(吴)(雨)(、刘)(铮)()我)(国)(P2P(个)(人)(对)(个)(人)(小)(额)(借)(贷)()网)(贷)(机)(构)(已)(超)(过)(2000家)(,在)(方)(便)(借)(款)(人)(的)(同)(时)(也)(存)(在)(借)(款)(人)(反)(复)(借)(款)(、过)(度)(负)(债)(的)(风)(险)(。日)(前)(,中)(国)(支)(付)(清)(算)(协)(会)(联)(合)(多)(家)(P2P网)(贷)(机)(构)(,试)(图)(打)(破)(“信)(息)(孤)(岛)(”,通)(过)(共)(享)(互)(联)(网)(金)(融)(信)(息)(强)(化)(风)(险)(防)(范)(。  “一)(个)(人)(在)(多)(个)(P2P机)(构)(重)(复)(借)(款)(的)(比)(例)(很)(高)(,多)(数)(P2P机)(构)(的)(借)(款)(申)(请)(可)(能)(集)(中)(在)(一)(两)(百)(万)(人)(身)(上)(。”综)(合)(理)(财)(、记)(账)(服)(务)(平)(台)(挖)(财)(网)(总)(裁)(顾)(晨)(炜)(告)(诉)(记)(者)(,如)(果)(网)(贷)(机)(构)(缺)(乏)(防)(范)(借)(款)(人)(恶)(意)(欺)(诈)(、过)(度)(负)(债)(的)(有)(效)(手)(段)(,很)(容)(易)(滋)(生)(风)(险)(问)(题)(。  据)(中)(国)(支)(付)(清)(算)(协)(会)(常)(务)(副)(会)(长)(蔡)(洪)(波)(介)(绍)(,P2P网)(贷)(普)(遍)(是)(信)(用)(贷)(款)(,由)(于)(P2P网)(贷)(机)(构)(无)(法)(接)(入)(央)(行)(信)(用)(信)(息)(基)(础)(数)(据)(库)(,且)(P2P机)(构)(间)(缺)(乏)(有)(效)(的)(信)(息)(共)(享)(手)(段)(,使)(得)(借)(款)(人)(能)(够)(在)(多)(家)(P2P机)(构)(重)(复)(借)(款)(,一)(人)(多)(贷)(现)(象)(比)(较)(突)(出)(。  在)(不)(少)(网)(贷)(机)(构)(眼)(中)(,信)(息)(不)(对)(称)(不)(仅)(带)(来)(风)(险)(问)(题)(,更)(是)(企)(业)(融)(资)(成)(本)(高)(居)(不)(下)(的)(原)(因)(。信)(而)(富)(CEO王)(征)(宇)(认)(为)(,大)(量)(P2P公)(司)(在)(做)(银)(行)(顾)(及)(不)(到)(的)(小)(额)(信)(贷)(客)(户)(,但)(不)(少)(企)(业)(并)(未)(将)(互)(联)(网)(大)(数)(据)(完)(全)(利)(用)(起)(来)(,缺)(乏)(有)(效)(的)(审)(贷)(手)(段)(,线)(下)(审)(贷)(成)(本)(较)(高)(,间)(接)(推)(动)(了)(融)(资)(成)(本)(上)(升)(。  其)(实)(,自)(诞)(生)(之)(日)(起)(,P2P行)(业)(就)(在)(积)(极)(寻)(找)(解)(决)(信)(息)(不)(对)(称)(的)(途)(径)(。网)(贷)(机)(构)(纷)(纷)(提)(出)(希)(望)(尽)(早)(接)(入)(央)(行)(个)(人)(征)(信)(系)(统)(,但)(全)(国)(人)(大)(财)(经)(委)(员)(会)(副)(主)(任)(吴)(晓)(灵)(坦)(言)(,央)(行)(征)(信)(系)(统)(对)(P2P 公)(司)(将)(面)(临)(非)(常)(高)(的)(运)(营)(成)(本)(。与)(此)(同)(时)(,业)(内)(人)(士)(指)(出)(,P2P面)(对)(的)(客)(户)(大)(多)(是)(小)(微)(企)(业)(,央)(行)(征)(信)(系)(统)(所)(覆)(盖)(的)(个)(人)(信)(用)(信)(息)(与)(P2P平)(台)(所)(需)(要)(的)(信)(息)(吻)(合)(度)(并)(不)(高)(。  另)(外)(,已)(有)(超)(过)(400家)(网)(贷)(机)(构)(接)(入)(网)(络)(金)(融)(征)(信)(系)(统)((NFCS),该)(系)(统)(由)(上)(海)(资)(信)(有)(限)(公)(司)(在)(2013年)(推)(出)(,主)(要)(向)(已)(加)(入)(的)(平)(台)(提)(供)(黑)(名)(单)(。但)(业)(内)(人)(士)(认)(为)(,该)(系)(统)(目)(前)(信)(息)(开)(放)(程)(度)(和)(平)(台)(参)(与)(规)(模)(都)(较)(为)(有)(限)(。  目)(前)(,有)(不)(少)(网)(贷)(平)(台)(正)(在)(积)(极)(与)(征)(信)(机)(构)(合)(作)(。例)(如)(,前)(海)(征)(信)(推)(出)(了)(10款)(针)(对)(网)(贷)(行)(业)(的)(征)(信)(产)(品)(,并)(与)(拍)(拍)(贷)(、投)(哪)(网)(等)(近)(100家)(P2P机)(构)(签)(署)(了)(合)(作)(协)(议)(。不)(过)(,当)(前)(P2P征)(信)(也)(是)(刚)(刚)(起)(步)(,面)(临)(信)(息)(安)(全)(风)(险)(、个)(人)(隐)(私)(保)(护)(、联)(网)(金)(融)(企)(业)(间)(数)(据)(共)(享)(受)(阻)(等)(诸)(多)(困)(境)(。  “面)(对)(这)(种)(情)(况)(,P2P网)(贷)(行)(业)(亟)(须)(建)(立)(行)(业)(风)(险)(信)(息)(共)(享)(机)(制)(,打)(通)(单)(个)(机)(构)(面)(临)(的)("信)(息)(孤)(岛)("局)(面)(,为)(行)(业)(整)(体)(风)(控)(水)(平)(提)(供)(有)(力)(支)(撑)(。”蔡)(洪)(波)(介)(绍)(,中)(国)(支)(付)(清)(算)(协)(会)(联)(手)(多)(家)(网)(贷)(平)(台)(,共)(同)(推)(出)(互)(联)(网)(金)(融)(风)(险)(信)(息)(共)(享)(系)(统)(,该)(系)(统)(7×24小)(时)(连)(续)(运)(营)(,只)(需)(填)(写)(借)(款)(人)(姓)(名)(和)(身)(份)(证)(,便)(可)(查)(询)(到)(借)(款)(人)(在)(已)(接)(入)(系)(统)(的)(网)(贷)(机)(构)(的)(借)(贷)(信)(息)(。  据)(介)(绍)(,目)(前)(系)(统)(采)(取)(免)(费)(方)(式)(运)(营)(,累)(计)(已)(处)(理)(查)(询)(业)(务)(1万)(多)(笔)(,宜)(信)(、人)(人)(贷)(、红)(岭)(创)(投)(、拍)(拍)(贷)(、网)(信)(、积)(木)(盒)(子)(、信)(而)(富)(等)(13家)(P2P机)(构)(已)(首)(批)(接)(入)(系)(统)(。下)(一)(步)(将)(不)(断)(增)(加)(接)(入)(机)(构)(数)(量)(、丰)(富)(共)(享)(数)(据)(的)(种)(类)(,扩)(大)(共)(享)(数)(据)(的)(覆)(盖)(面)(。  作)(者)(:吴)(雨)(刘)(铮)(
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